Buying A House After Filing Bankruptcy -

The clock typically starts on the date your bankruptcy is (debt cleared) or dismissed (case closed without discharge), not the date you first filed. Chapter 7 Waiting Period Chapter 13 Waiting Period Conventional 4 years from discharge 2 years from discharge FHA Loan 2 years from discharge 1 year into repayment (with court approval) VA Loan 2 years from discharge 1 year into repayment (with court approval) USDA Loan 3 years from discharge 1 year into repayment (with court approval)

Meeting the waiting period is only the first step; you must also meet standard qualification criteria. buying a house after filing bankruptcy

FHA loans often accept scores as low as 580 with a 3.5% down payment, while conventional loans usually require at least 620. The clock typically starts on the date your